Side-by-side · Q2 2026 data
Harford Bank vs Lm Federal Credit Union
Metric by metric
| Measure | Harford Bank | Lm Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 83 (stronger) |
| Capital cushion | 49 | 74 (stronger) |
| Loan quality | 70 | 95 (stronger) |
| Earnings | 64 | 76 (stronger) |
| Funding & liquidity | 58 | 80 (stronger) |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 22nd | 72nd |
| Total assets | $776.6M | $60.3M |
| Deposits / shares | $692.5M | $52.5M |
| Capital ratio | 9.95% | 12.40% (stronger) |
| Problem loans | 0.91% | 0.14% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 1.09% | 1.41% (stronger) |
| Loans ÷ deposits | 83.3% | 80.4% (stronger) |
| Uninsured deposits | 31.9% | 6.7% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lm Federal Credit Union has the higher TellerScore (83 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Harford Bank leads on 1 and Lm Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.